Emclaire Financial (NASDAQ:EMCF) and CBB BANCORP INC/SH (OTCMKTS:CBBI) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, valuation, earnings, institutional ownership, risk, analyst recommendations and profitability.
This table compares Emclaire Financial and CBB BANCORP INC/SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|CBB BANCORP INC/SH||22.58%||N/A||N/A|
Emclaire Financial has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, CBB BANCORP INC/SH has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500.
This is a breakdown of recent ratings and target prices for Emclaire Financial and CBB BANCORP INC/SH, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|CBB BANCORP INC/SH||0||0||0||0||N/A|
Insider & Institutional Ownership
6.2% of Emclaire Financial shares are held by institutional investors. 16.6% of Emclaire Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
Valuation & Earnings
This table compares Emclaire Financial and CBB BANCORP INC/SH’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Emclaire Financial||$35.17 million||2.39||$4.21 million||N/A||N/A|
|CBB BANCORP INC/SH||$69.68 million||1.79||$16.66 million||N/A||N/A|
CBB BANCORP INC/SH has higher revenue and earnings than Emclaire Financial.
Emclaire Financial pays an annual dividend of $1.16 per share and has a dividend yield of 3.7%. CBB BANCORP INC/SH does not pay a dividend. Emclaire Financial has increased its dividend for 3 consecutive years.
Emclaire Financial beats CBB BANCORP INC/SH on 9 of the 12 factors compared between the two stocks.
Emclaire Financial Company Profile
Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; time deposits; noninterest bearing and interest bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, residential and commercial mortgages loans, home equity loans, and commercial business and commercial real estate loans; and consumer loans, such as loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The company, through its subsidiary, Emclaire Settlement Services, LLC, also provides real estate settlement services. As of February 20, 2019, it operated 20 full service offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties in Pennsylvania, as well as in Hancock County, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.
CBB BANCORP INC/SH Company Profile
CBB Bancorp, Inc. operates as the holding company for Commonwealth Business Bank that provides various commercial banking services to individuals and businesses in the United States. It offers checking, installment, savings, money market, and certification of deposit accounts, as well as IRAs; business line of credit, term loans, trade finance, professional loans, business property loans, commercial real estate loans, and construction loans; SBA loans; and debit and credit cards. The company also provides treasury management, mobile and online banking, wire transfer, telephone banking, safe deposit box, and lockbox services. It offers its service through eight retail branches in California and Texas. The company was founded in 2005 and is headquartered in Los Angeles, California.
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